BINGO!

You don't want to end up like the people in James McMurtry's "Choctaw Bingo":He's cut that corner pasture into acre lots, He sells 'em owner financedStrictly to them that's got no kind of credit 'Cause he knows they're slackersWhen they miss that payment, Then he takes it back

Bingo!! 

Bingo!

(yes, I am being cheeky)People will say if they just wait 60 odd years or so they may get the chance ot buy in at another massive crash.

Bingo! 

Bingo almost 20% off new ones that will not give you any headaches for several years (plus have a 1 yr warranty).

Maybe the water is getting in from behind the front bricks and in front of the inside bricks.If the walls are a sideways brick thick, they may be a double brick wall back to back with tie bricks holding them together (old fashioned way of building) vs modern veneer.Sometimes during construction the first floor is made with even wider walls to accommodate future upper stories.The layers of bricks will not have mortar between them (most likely, but who knows).So if you have water intrusion up higher, it may come down there and leak out behind the stucco and when it freezes bingo stucco pops off.The intrusion could follow an old window casing down and leak in a hidden spot under the sill and flow down, or on an angle.If you are using a good stucco contractor and he is baffled, this might be it....or it might not be it....Maybe affixing metal lath to the area might help--but if it is a water issue,,,that water will have to go somewhere, and if its bundled between the bricks when it freezes...the bricks might pop.Maybe shield the areas really well with plastic duck taped up there, and if the brick is wet or the taped cover holds water when you open it after a storm...you may have figured it out.

Bingo!

So, if they don't agree, they can simply not cash the check and proceed with foreclosure, but, if they do cash the check, bingo, you are in the clear.